TellerScore

Goldwater Bank, N.A. is a national bank headquartered in Phoenix, Arizona, in business for about 19 years. At the end of Q2 2026 it reported $551.9M in total assets and $408.3M in deposits, with 2 offices.

Based on its Q2 2026 filing, Goldwater Bank, N.A. scores 35/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Arizona, it ranks 11th. Its strongest component is capital cushion (61/100; 11.13%), and its lowest is loan quality (0/100; 4.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.13%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.14%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity22/100
Loans ÷ deposits and uninsured-deposit share: 110.7% · 40.5% uninsured
Problem-loan coverage42/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 29.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (47 → 35), mostly because the earnings component weakened by 22 points.

TellerScore
334964Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202443
Q3 202446
Q4 202455
Q1 202564
Q2 202547
Q3 202541
Q4 202540
Q1 202633
Q2 202635
Tier 1 leverage ratio
5.00%8.80%12.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.16%
Q3 202412.07%
Q4 202412.07%
Q1 202512.59%
Q2 202512.27%
Q3 202512.20%
Q4 202511.46%
Q1 202611.36%
Q2 202611.13%
Noncurrent loans
1.20%2.75%4.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.69%
Q3 20242.33%
Q4 20241.48%
Q1 20251.20%
Q2 20252.69%
Q3 20253.39%
Q4 20253.54%
Q1 20264.31%
Q2 20264.14%
Return on assets
0.25%0.81%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.80%
Q4 20240.78%
Q1 20251.38%
Q2 20251.18%
Q3 20250.97%
Q4 20250.85%
Q1 20260.25%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202635$551.9M11.13%4.14%0.63%110.7%
Q1 202633$525.1M11.36%4.31%0.25%110.2%
Q4 202540$515.3M11.46%3.54%0.85%113.8%
Q3 202541$474.3M12.20%3.39%0.97%120.7%
Q2 202547$456.5M12.27%2.69%1.18%123.0%
Q1 202564$467.7M12.59%1.20%1.38%113.3%
Q4 202455$444.5M12.07%1.48%0.78%128.9%
Q3 202446$460.0M12.07%2.33%0.80%115.7%
Q2 202443$441.5M12.16%2.69%0.77%128.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.13%
53rd
Total risk-based capital0.00%
24th
Problem loans4.14%
3rd
Net charge-offs0.05%
27th
Return on assets0.63%
16th
Net interest margin3.44%
25th
Efficiency ratio78.3%
16th
Loans to deposits110.7%
3rd
Uninsured deposits40.5%
10th
Loan-loss reserves1.19%
49th
Texas ratio29.1%
2nd

Similar-size banks in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Gateway Commercial BankBank Mesa, AZ68 out of 100, Moderate$231.4M12.0%1.24%vs
Southwest Heritage BankBank Scottsdale, AZ73 out of 100, Strong$892.8M13.4%0.67%vs
Integro BankBank Phoenix, AZ25 out of 100, Low$195.6M9.9%3.71%vs
Mission BankBank Kingman, AZ70 out of 100, Strong$185.1M9.4%0.00%vs
Zenith Bank & TrustBank Scottsdale, AZ76 out of 100, Strong$133.0M17.9%0.00%vs
Scottsdale Community BankBank Scottsdale, AZ38 out of 100, Low$125.2M11.4%2.68%vs

Deposit insurance

Is my money safe at Goldwater Bank, N.A.?

Yes. Goldwater Bank, N.A. is an FDIC-insured institution (FDIC certificate #58405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.5% of deposits ($165.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Goldwater Bank, N.A. lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Goldwater Bank, N.A. reported 265 home-loan applications under HMDA (LEI 549300X08QKYUH256I80): 240 originated ($93,870,000 total), 1 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Goldwater Bank, N.A.
Type
National bank
FDIC certificate #
58405
RSSD ID
3592047
Primary regulator
OCC
Holding company
Goldwater Bcorp Inc
Established
April 2, 2007
Headquarters
2525 E Camelback Rd, Phoenix, AZ 85016
Employees
60

Quick answers

Goldwater Bank, N.A.: common questions

Is Goldwater Bank, N.A. FDIC insured?

Yes. Goldwater Bank, N.A. is an FDIC-insured institution (FDIC certificate #58405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Goldwater Bank, N.A.'s TellerScore?

35 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Goldwater Bank, N.A. ever failed?

There is no failure record for FDIC certificate #58405 in the FDIC failed bank list.

How many branches does Goldwater Bank, N.A. have?

2 offices as of the latest FDIC data.

Nearby

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